How To Get Out Of Debt

If you are wanting to make changes to your financial future and learn HOW to get out of debt the right way, then you have come to the right place!  During 2011 I helped readers just like you eliminate more than $340,000 in debt and we topped more than $450,000 in 2012!!

Below you will find several lessons to help you get started.  Just begin with Lesson 1 and go through each step — at your own pace.  These are the steps my husband and I used to get out of debt ourselves, so we know that they work!  Good luck!!!

Lesson 1:  Getting Started – Preparing your Net Worth and Debt Snowball Forms

Lesson 2:  Preparing Your Cash Flow & Budget Forms

Lesson 3: Envelopes & Emergency Fund 

Lesson 4: Paying Down Your Debts

Lesson 5: Where Do We Go From Here?

Lesson 6:  Cut Up Those Credit Cards

Below you will find links to several articles which might help you out during your own debt free journey:

Paying Cash for Items You Need (or Want)

What is an Emergency Fund and How Much Do I Need?

Re-Evaluating What is Important 

Interest Rates or Balances? Which way to look at debt?

Just say NO to Debt Consolidation 

New Credit Card Offers – Yes or No? 

I Can’t Get “into” Using Envelopes?  Do I Need to Use Them?

Staying the Course On Vacation 

Not Having Debt Will Hurt My Credit Rating 

Changing Your Children’s Financial Future 

Giving Now or Later? 

What is the Cost Of Getting Out of Debt?

Back to School Shopping and Getting Out of Debt

Why Am I Not Making Progress?

I am Out of Debt – What’s Next?

Use Your Weekly Grocery Savings To Pay Down Debt

Change your Attitude About Money (and Life)

Sometimes, inspiration can help, you can find my own personal story about eliminating our debt here:

My Own Debt Free Story